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Old 07-23-2014, 01:21 PM  
Skyy God Skyy God is offline
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Car insurance question
Let's say, hypothetically speaking, one would like to buy a new car and insure said car, but their drivers license is suspended for a few months. What's the best way to go about insuring said vehicle? Option A, I guess, is to obtain a hardship license and policy after disclosing said license status. The problem with that (potentially) is that the policy might be written in such a way as to exclude driving outside the hardship conditions.

Option B is obtain a second policy under the hypothetical person's current insurance (and hope they don't run any due diligence). Option C is find a car insurer that doesn't give a shit and pay out the nose.

Any other suggestions to this hypothetical problem?
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Old 07-23-2014, 01:23 PM   #2
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Old 07-23-2014, 01:31 PM   #3
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1. Find hypothetical attorney.

2. Beat hypothetical attorney.

3. Steal hypothetical attorney's car.
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Old 07-23-2014, 01:32 PM   #4
ThaVirus ThaVirus is offline
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Quote:
Originally Posted by Pestilence View Post

This is pretty funny and normally if agree, but I've almost had my license suspended twice now for the most ridiculous reasons.

The first time I got into a minor collision and elected to take an online driver's class to avoid points on my license. I ended up forgetting about it and never took the class. Luckily I happened to go to the DMV on the very last business day before my license was to be suspended for an unrelated reason. I was able to avoid suspension narrowly.

Then, I had a lapse in my insurance coverage. It was in between getting off of my dad's plan and getting my own so I figured as long as I didn't drive I wouldn't need insurance. Luckily, once again, I called Geico on the last day before my license was likely to be suspended and get a new plan.

The whole driving "business" is a bunch of ****ing extortion.
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Old 07-23-2014, 01:33 PM   #5
Dayze Dayze is offline
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can one wait to purchase the car until the suspension has completed?
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Old 07-23-2014, 01:35 PM   #6
Skyy God Skyy God is offline
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Quote:
Originally Posted by Dayze View Post
can one wait to purchase the car until the suspension has completed?
A car, yes. The car, doubtful.

I guess one could, hypothetically, garage it for a few months and make sure it's covered under homeowners.
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Old 07-23-2014, 01:36 PM   #7
Skyy God Skyy God is offline
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Quote:
Originally Posted by Donger View Post
1. Find hypothetical attorney.

2. Beat hypothetical attorney.

3. Steal hypothetical attorney's car.
I'm no expert, but I imagine it would be difficult to insure a stolen car.
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Old 07-23-2014, 01:38 PM   #8
Chief_For_Life58 Chief_For_Life58 is offline
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why do i need insurance?
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Old 07-23-2014, 01:41 PM   #9
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Quote:
Originally Posted by ThaVirus View Post
Then, I had a lapse in my insurance coverage. It was in between getting off of my dad's plan and getting my own so I figured as long as I didn't drive I wouldn't need insurance. Luckily, once again, I called Geico on the last day before my license was likely to be suspended and get a new plan.

The whole driving "business" is a bunch of ****ing extortion.
What? The DMV was going to suspend your license for not having insurance?
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Old 07-23-2014, 01:42 PM   #10
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Old 07-23-2014, 01:43 PM   #11
The Franchise The Franchise is offline
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Why was it suspended in the first place?
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Old 07-23-2014, 01:46 PM   #12
DMAC DMAC is offline
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Get a policy with your current insurance. Just call them and tell them you got a new car. Pay them...boom. Insured.

And...dude......get your shit together.
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Old 07-23-2014, 01:52 PM   #13
ThaVirus ThaVirus is offline
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Quote:
Originally Posted by LoneWolf View Post
What? The DMV was going to suspend your license for not having insurance?

Like I said, I had been on my dad's insurance my entire driving life. I didn't have all the information about car insurance. I had assumed that I wouldn't need insurance as long as I wasn't driving. I wasn't aware that the insurance companies report you to the DMV after your insurance lapses.

That one isn't so ridiculous as my first example but more an example of how you could easily have your license suspended and not be some lowlife criminal

Get it?
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Old 07-23-2014, 02:03 PM   #14
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Old 07-23-2014, 02:11 PM   #15
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Yeah in NY if your insurance lapses your shit is going to be ****ed up.
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